Car insurance discussions and local services.
archer15
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Topics and replies this member has contributed.
RE: Why does insurance cost more in Houston than Austin or Dallas?
Man, I hear you on the “living in Houston” tax. I’ve been driving here for over twenty years, and the insurance hikes still boggle my mind. Back in the early 2000s, my rates were half what they are now, and my driving ha...
RE: When The Other Driver Has No Insurance And Dings Your Car
Funny you mention that - years back, I stuck with the same company forever out of habit. Then my neighbor told me she saved a chunk by switching, so I finally compared quotes. Turns out, my old policy had all sorts of we...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
I hear you on the backup thing. A couple years ago, I mailed in a claim and forgot to put a stamp on it - didn’t realize until weeks later when nothing showed up. Now I always snap a pic of whatever I send, just in case....
RE: Would you risk a higher deductible to lower your insurance bill?
I hear you on the universe laughing at our “clever” money-saving moves. Years ago, I bumped my deductible up thinking, “I never get into accidents, what’s the worst that could happen?” Fast forward six months - hailstorm...
RE: anyone else feel like AAA insurance isn't what it used to be?
I totally get the nostalgia for those old map books - my glovebox used to be a mini-library. But yeah, I’ve had the same feeling you mentioned: Had a dead battery last winter, called AAA, and by the time help arrived, m...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Why Houston? I’ve wondered that for years. When I moved here from Dallas, I expected maybe a small bump in rates, but mine nearly doubled for the same old sedan. I remember walking out of the agent’s office thinking, “Di...
RE: Why can’t I use my points AND a coupon at checkout?
Why Can’t I Use My Points AND a Coupon at Checkout? I hear you, but I’m not totally convinced it’s all just random or meant to mess with us. I mean, yeah, the rules can be confusing - sometimes even the cashiers look ...
RE: Do you really need extra insurance for a rental in Montana?
That “loss of use” fee caught me off guard once in Colorado - thought I was being careful, but a rock chipped the windshield and suddenly I was paying for days the car sat in their shop. I always wonder if those credit c...
RE: Why does picking a deductible feel like a weird gamble?
Picking a deductible really does feel like betting against yourself, doesn’t it? I remember when I bought my first used car, I went with the lowest deductible because I was convinced something would go wrong immediately....
RE: little-known ways to snag cheaper insurance in Alaska
Bundling is a good tip, though in my experience it’s hit or miss - sometimes the “discount” barely covers the extra cost of adding home insurance. I’ve actually had better luck just calling around every couple years and ...
RE: Confused about Illinois car insurance rules - anyone else?
That’s pretty much been my approach too. I remember a couple winters ago, my phone froze up (literally, it was like 5 degrees out) right as I was getting pulled over for a busted taillight. The officer asked for proof of...
RE: Insurance renewal hikes caught me off guard
I totally get that. I used to just skim the summary until one year my “comprehensive” coverage quietly dropped windshield replacement. Didn’t notice until a rock nailed me on the highway - ended up paying out of pocket. ...
RE: Would your insurance hold up if your EV battery suddenly failed?
That lines up with what I’ve seen, too. I had a Nissan Leaf for a while and never kept perfect records - just did the basics and paid attention to warnings. Never had an issue with insurance when my charger fried. They s...
RE: how bad would insurance spike after a DUI in Idaho?
A few years back my neighbor got a DUI here in Boise, and his insurance nearly doubled overnight. He shopped around, found another local insurer that was way more forgiving... makes me wonder how these companies actually...
RE: Finally figured out how car insurance works in no-fault states
Yeah, switching insurers can definitely be a mixed bag. I remember when I switched a few years ago - thought I'd found this amazing deal online. Everything was great until I needed roadside assistance on a freezing night...